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Home›Virginia›Surry County›Scotland

June Marcia Williams — Licensed Insurance Agent in Scotland, VA
June Marcia Williams
Your Insurance Agent in Scotland, VA
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Scotland, VA...
National Producer No.
17209549
Verify ↗

Life Insurance in Scotland, VA

Securing Families Across Surry County with 9 Tailored Product Lines

Why Scotland Residents Rely on June for Complete Peace of Mind

Your local licensed agent in Scotland, Surry County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, VA #1575461) writes life insurance for Scotland, Surry County, Virginia residents — fully-underwritten, simplified-issue, and final-expense products with same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
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⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Scotland, VA

Scotland, VA — Your Local Producer

Hello, Scotland neighbors. In a community like ours here in Surry County, where the quiet flow of the James River sets the pace, planning for the future feels especially important. I'm June Marcia Williams, a licensed insurance producer right here in Virginia, and I'm dedicated to serving my fellow residents. My goal is to help you understand your options for personal insurance, from Term and Whole Life to Final Expense and other specialized policies. I provide clear, straightforward guidance so you can make confident decisions for your family's financial security. (NPN: 17209549, Virginia License No: 1575461)

  • Jamestown-Scotland Ferry Terminal
  • Rolfe Highway (VA-31)
  • Smith's Fort Plantation
NPN17209549VA License1575461

Scotland is home to approximately 123 residents in Surry County, with a median age of 52.1. About 64% of homes are owner-occupied. 39% of adults hold a bachelor's degree or higher; households with children make up 11%; veterans comprise 11% of residents. Average household size is 2.3. These demographic markers shape which life insurance products fit Scotland households.

How Scotland compares to Surry County

SURRY COUNTY · 7K RESIDENTS SCOTLAND · 123 RESIDENTS
Surry County vs Scotland — population comparison Surry County: 6,546 residents. Scotland: 123 residents, 1.9% of Surry County population.
6,546 SURRY COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
123 SCOTLAND RESIDENTS ↳ 1.9% of Surry County residents
Underwriting Guidelines

Are Scotland residents with current cigarette smoking able to qualify for life insurance?

Scotland applicants with current cigarette smoking qualify routinely. The local risk pool — Surry County's ~7,000 residents, 8.5% without health coverage — shows 15.5% adult prevalence of current cigarette smoking and 18.2% with diagnosed diabetes. Top-rated carriers price these conditions transparently when application data is complete and recent.

Coverage options and underwriting standards vary by carrier. View insurance in nearby Elberon →

📊 Top Health Considerations (CDC)

Top Health Considerations for Scotland (CITY) High cholesterol: 43.1%. High blood pressure: 47%. Obesity: 41.6%. Diagnosed diabetes: 18.2%. Current cigarette smoking: 15.5%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · SCOTLAND High cholesterol 43.1% High blood pressure 47.0% Obesity 41.6% Diagnosed diabetes 18.2% Current cigarette smoking 15.5% Data sourced directly from the CDC PLACES Dataset.

Tier projection blends county-level prevalence with carrier underwriting bands. Higher prevalence shifts more of each bar into Standard and Rated/Watch segments. Use as a county baseline, not an individual underwriting outcome.

Preferred Range
Standard
Rated / Watch

Official City Resources

Surry County Gov Portal .GOV
Population ~123
Lack of health insurance (18–64) 8.4%

Healthcare-access indicator. Localized rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).

FIPS code 5170715
Google Maps
View on Google Maps
Available in Scotland

Life Insurance Products in Scotland, VA

9 insurance products available in Scotland

🛡️ Life Insurance

Term Life

Level-premium protection for 10, 20, or 30 years. Designed to cover mortgages, income replacement, and family obligations.

View Term Life 💎 Life Insurance

Whole Life

Permanent coverage with guaranteed cash value accumulation. Lifetime protection that doubles as a financial asset.

View Whole Life 📈 Life Insurance

Universal Life

Flexible premiums with index-linked growth potential. Adjustable coverage that adapts to your financial goals over time.

View Universal Life 🏥 Supplemental Health

Critical Illness

Lump-sum benefit upon diagnosis of a covered condition — cancer, heart attack, stroke, and more. Use it however you need.

View Critical Illness 🏨 Supplemental Health

Hospital Indemnity

Daily cash benefit for hospital stays, regardless of other insurance. Covers deductibles, lost wages, and out-of-pocket costs.

View Hospital Indemnity ⚡ Supplemental Health

Accident & Injury

Cash benefits for accidents — fractures, dislocations, burns, emergency transport. Pays on top of your existing health plan.

View Accident & Injury 🏢 Business

Business Life

Key person, buy-sell funding, and executive benefits. Protect your business from the financial impact of losing a critical contributor.

View Business Life 🔑 Specialized

Special Situations

Pre-existing conditions, no-exam options, marijuana users, high-risk applicants. Coverage solutions when standard plans say no.

View Special Situations 🕊️ Life Insurance

Final Expense

Covers funeral, burial, cremation, and end-of-life costs. No medical exam. Ages 50–85. Premiums never increase.

View Final Expense
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Life Insurance in Surry County and Nearby Virginia Counties

Life Insurance by City Near Scotland, VA

Life insurance by city across Surry County and adjacent Virginia counties.

🌟 Cities Served near Scotland

9 Cities · 3 Counties
Prince George County4
DisputantaFort LeePrince GeorgeTempleton
Surry CountyHome4
ClaremontDendronElberonSurry
Newport News City1
Newport News
Official Resources

Know your rights in Scotland.

Virginia State Corporation Commission — Bureau of Insurance

File complaints, verify agent licenses, and understand your rights under Virginia insurance law.

Visit scc.virginia.gov →.GOV

Verify Agent License (NIPR)

Look up June's NPN (17209549), active licenses, and state appointments.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides on choosing life insurance, understanding policy types, and filing complaints.

Visit naic.org →.ORG

FTC Life Insurance Guide

Federal consumer guide — what to watch for and your federal protections.

Visit ftc.gov →.GOV
Frequently Asked Questions

Scotland Life Insurance Questions

💰

How much does life insurance cost in Scotland?

Rates vary based on age, health, coverage amount, and policy type. Term life is generally the most affordable. A licensed agent can compare carriers for your specific situation.

Scotland
📋

What types of insurance are available here?

Term life, whole life, universal life, critical illness, hospital indemnity, accident & injury, business life, specialized coverage.

9 Products
🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for applicants with pre-existing health conditions. Simplified-issue and guaranteed-issue options available. Rates vary by carrier.

Special Situations
🏙️

Does June serve all of Scotland?

Yes. June serves all of Scotland and every municipality in Surry County. Licensed in five states: NJ, PA, FL, MD, and VA.

Full Coverage
🏥

What is critical illness insurance?

Pays a lump-sum cash benefit upon diagnosis of cancer, heart attack, stroke, or organ failure. Supplements health insurance by covering deductibles, lost wages, and non-medical expenses.

Critical Illness
✅

How do I verify June's VA license?

Verify through VA Bureau of Insurance at scc.virginia.gov or NIPR at nipr.com. June Marcia Williams — NPN 17209549, VA License #1575461.

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